Terms of Service

Welcome to Instant Technology Limited. These Terms of Service ("Terms") govern your access to and use of our website, mobile applications, and digital platforms (collectively, the "Platform" or "Services"). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. Please read them carefully.

If you do not agree to these Terms, you may not access or use such Services. Instant Technology Limited ("we", "us", or "our") is a company registered in Nigeria, dedicated to providing seamless financial and technology solutions.

1. Definitions

• "Account" means a unique user profile created for you to access our Services.
• "User", "You" means any individual or entity who accesses or uses our Services.
• "Services" includes, but is not limited to, sending and receiving money, bill payments, airtime purchases, and other financial transactions availabe on our Platform.
• "Platform" refers to our website, mobile application, and any other digital interface provided by Instant Technology Limited.

2. Eligibility

By using our Services, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into a binding contract. If you are under 18, you may only use the Services under the supervision of a parent or legal guardian who agrees to be bound by these Terms.

3. Account Registration and Security

To use certain features of our Services, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information during the registration process.
• Maintain the security and confidentiality of your login credentials (password, PIN, OTP).
• Notify us immediately of any unauthorized use of your account or any other breach of security.
• Accept responsibility for all activities that occur under your account.

We reserve the right to suspend or terminate your account if any information provided is found to be inaccurate, false, or misleading.

4. Use of Services

You agree to use our Services only for lawful purposes and in accordance with these Terms. You acknowledge that:

• You are solely responsible for ensuring the accuracy of transaction details (e.g., recipient account number, amount) before confirming any transaction.
• Instant Technology Limited is not liable for funds sent to the wrong recipient due to your error.
• Transactions may be subject to limits, fees, and processing times as determined by us or regulatory requirements.

5. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Using the Services for money laundering, terrorist financing, fraud, or any other illegal activity.
• Interfering with or disrupting the integrity or performance of the Platform.
• Attempting to gain unauthorized access to the Platform, other user accounts, or computer systems.
• Using any automated means (e.g., robots, spiders) to access the Services without our permission.
• Impersonating any person or entity or falsely stating your affiliation with any person or entity.

6. Intellectual Property

The Platform and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Instant Technology Limited, its licensors, or other providers of such material and are protected by Nigerian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

7. Privacy and Data Protection

Your privacy is important to us. Our use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Instant Technology Limited, its affiliates, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Services;
• Any conduct or content of any third party on the Services;
• Any content obtained from the Services; and
• Unauthorized access, use, or alteration of your transmissions or content.

9. Indemnification

You agree to defend, indemnify, and hold harmless Instant Technology Limited and its affiliates, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Services.

10. Modifications to Services and Terms

We reserve the right to withdraw or amend our Services, and any service or material we provide on the Platform, in our sole discretion without notice. We may also revise and update these Terms from time to time. All changes are effective immediately when we post them. Your continued use of the Platform following the posting of revised Terms means that you accept and agree to the changes.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any dispute arising out of or in connection with these Terms shall be resolved through amicable negotiations. If negotiations fail, the dispute shall be referred to arbitration or the competent courts in Nigeria.

12. Contact Us

If you have any questions about these Terms, please contact us at: